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#245: Joe has a 24-year-old friend who won a $1 million settlement. How can she use this money to set herself up for financial independence?\nJay is 52 years old and wants to retire at 59.5. He began investing in individual stocks to achieve this goal, and has had excellent returns so far. Is this a sound plan for early retirement? Or should he work until age 62 for Social Security?\nSteve is 54 years old. He plans to retire at 60, which is when he can collect 67 percent of his pension. A Vanguard advisor suggested that he direct some of his 403b contributions as Roth contributions, rather than pre-tax contributions. Should he act on this suggestion?\nAnonymous in New York City wants to invest their HSA contributions this year, but the expense ratios seem high. Can they move their HSA to a different provider? What fees are normal for HSAs?\nBrit has a similar question. She wants to know: is it possible to invest in the S&P 500 Fossil Fuel Free Index through Vanguard?\nMy friend and former financial advisor, Joe Saul-Sehy, joins me on the show to answer these six questions. Enjoy!\nFor more information, visit the show notes at https://affordanything.com/episode245\nLearn more about your ad choices. Visit podcastchoices.com/adchoices